Loan Monitoring
Course Information
1 Day Course
Time:Â 9.15am – 5pm
Contact:Â [email protected]Â
Venue: Hotel (near MRT)
Note:
- Tea breaks and buffet lunch will be served. Car parking coupons are available upon request.Â
- For 3 pax and above, 10% discount across the board
Course Introduction
A one and half day intensive Training Program designed to educate Managers to proactively monitor and identify warning signals due to deterioration in Industry, Business, Financial or Management Risks.
It covers detection of red flags, analysing severity of problems, and communicating with the borrowers to strategize and execute recovery action with minimum delay.
Learning Outcome
- Evaluate changes in Industry, Business, Financial and Management risk.
- Identify Early Warning Signals
- Determine severity of problem loans and formulate recovery strategy.
- Communicate effectively with Owners of Problem loan Accounts
- Negotiate Terms / Recovery Solutions
- Identify Cost / Benefits of Planned Recovery Strategy
- Execute the strategy
Who Should Attend
Managers involved in Business Development, Account Relationship Managers, Front-end, Mid-range Loan Recovery Officers, Asset Quality Management Manager, Evaluation and Loan Approval Managers, , Auditors with at least 3 months experience on the job.
Course Outlines
Topic 1: Problem Loans Overview
- Statistics – A brief Overview
- Definition of Problem Loans
- Watch List Accounts
- What Went Wrong and Why?
- Consequences of Problem Loans
- Implications to the Bank – What to Do?
- Reporting Protocols
- Downgrading ratings
Topic 2: Monitoring Techniques
- Sources of Information – Internal / External
- Proactive Monitoring
- Size / Materiality
- What to Monitor?
- Frequency of Monitoring
- Covenants / Conditions of Approval breaches
- Delayed / Sloppy Financial Statements
- Expired Limits – Effective Annual Review Management
Topic 3: Types of Warning Signals
- Types of Red Flags / Warning Signals
- High Risk Events / Triggers –
- Changes in:
- Economic climate
- Industry shocks
- Business strategy
- Management disagreement
- Missing or absentee owners
- Sequential and non-sequential EWS
Topic 4: Analysing the problem
- Temporary Problems
- Permanent Problems
- Planned action / Within Management control
- Unplanned action / Outside Management control
- Communicating with Borrowers
Topic 5: Recovery Strategy
- Prioritization
- Cost Benefit Analysis
- Strategy Formulation / Execution
- No action required
- Monitor for Change
- Transfer Risk
- Restructure
- Refer to Specialists
Trainer's Profile
Mr. Benny Bastian
Benny is currently a freelance Training Consultant for Moody’s Analytics Learning Solutions; Benny Bastian was career banker for over 35 years. He started his career with multinational banking group Standard Chartered Bank Malaysia (SCB) and was then invited by RHB Bank a fourth ranked local Bank in Malaysia. His last position in both Banks was Head of Credit, for the SME Banking segment.
His work experience covers the breadth of Branch Operations, Loan Processing, Regional Credit Audit, Credit Approval and Training. Having helmed the position as Head of Credit for SME Lending at both banks, Benny understands intimately the critical balance between accelerating Sales Growth and maintaining Credit Quality.  Â
Benny was one of the pioneers in the development of Score Card Lending for underwriting high-volume small ticket SME loans and, an end-to-end loan processing systems that facilitated seamless lending to SMEs. The benefits were faster turnaround time, consistency in approval decisions and higher approval rates. He also developed and conducted several in-house Training Courses including Credit Writing Skills, Lending to SME’s and, Fraud Detection & Prevention to help improve the quality of loan submissions from front line Lending Officers.
Benny was tasked as the RHB Bank’s Coordinator for Omega Performance’s CSA Accreditation a career pathway for all Credit Personnel. Upon retirement, Benny was invited by Omega to be one of its freelance Certified Training Consultants. Amongst the workshops that he conducts for Omega are Business Lending Fundamentals, Financial Accounting for Lenders, Commercial Loans to Small Business, Commercial Loans to Business, and Minimising Problem Loans.
Since his retirement in 2010, Benny has been actively engaged in Credit Training. He has delivered his own Training Programs for various Banks in Malaysia, as well facilitating Workshops for Moody’s client Banks in Malaysia, Indonesia, Cambodia, Vietnam, Myanmar and Thailand. Subsequent Moody’s acquisition of Omega in 2018, Benny has continued facilitating Workshops for Moody’s Analytics Learning Solutions.
Besides Banking organizations, Benny has also taught Young Graduate/Management Trainees under the auspices of the Asian Banking School (ABS) Malaysia. He is accredited with the Human Resources Development Fund (HRDF) and, completed the Assessor Certification Program with Finance Accreditation Agency (FAA) of Malaysia for Individual Accreditation. Benny is a bilingual Trainer in English and Bahasa Indonesia / Malaysia.
His Corporate clients list includes, Maybank Malaysia & Indonesia, CIMB Malaysia & Indonesia, Bank Mandiri Indonesia, BNI Indonesia, Institute of Banking & Finance Cambodia, Myanmar Financial Centre, Thai Military Bank, Military Bank Vietnam, Standard Chartered Bank, HSBC Bank, RHB Bank, Hong Leong Bank, SME Bank, MBSB, BSN Bank, Asian Banking School and AIA Malaysia Bhd.
EDUCATION
Master of Business Administration, (Finance), University of Hull, UKÂ
Dip in Accounting & Business, ACCA
Certified Financial Planner, FPAM of Malaysia,
CSA, Omega Performance.